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the winnipeg sandbox » winnipeg sandbox.. » business... » Should private auto insurance firms be allowed?

Should private auto insurance firms be allowed?

+6
Triniman
FlyingRat
cherenkov
Deank
Freeman
grumpy old man
10 posters

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grumpy old man

grumpy old man
administrator
administrator

Winnipeg Sun Poll

Should private firms be allowed to compete with MPI for all types of auto insurance?
Yes 77%
No 23%

Total Votes for this Question: 396
And what do you think?

Guest

Anonymous
Guest

I think that it's been well discussed here that our premiums are much better than with private companies.

I'm still onboard but believe much tweeking needs to be done....full disclosure and changes to the no-fault part of the scheme.

Freeman

Freeman
uber-contributor
uber-contributor

In answer to the question, yes.

Deank

Deank
contributor eminence
contributor eminence

allow private insurance? No I would.rather they would just tweek the rules..

Guest

Anonymous
Guest

Agreed. Insurance companies are the lowest form of bastards, next to lawyers eh. Smile

cherenkov

cherenkov
contributor plus
contributor plus

I say yes. They should at least allow private insurance for motorcycles, so there is an affordable alternative to MPI. MPI motorbike rates are far too high.

http://anybody-want-a-peanut.blogspot.com/

Deank

Deank
contributor eminence
contributor eminence

see thats one of the tweeks I was thinking of...motorbike insurance rates should be much much much lower... around the same as moped insurance... but more to cover the cost of the bike.

FlyingRat

FlyingRat
moderator
moderator

Private insurance for motorcycles would cause the rates to go even higher, I bet. The insurance pool would only be fed by the motorcycle enthusiasts.

Guest

Anonymous
Guest

cherenkov wrote:I say yes. They should at least allow private insurance for motorcycles, so there is an affordable alternative to MPI. MPI motorbike rates are far too high.
I thought that they pretty much justified their rates when they were called on it awhile ago.

grumpy old man

grumpy old man
administrator
administrator

Nyes, they did, sorta'... They've made it very difficult to create an apples to apples comparison with private industry. That is why this debate rages on.

Freeman

Freeman
uber-contributor
uber-contributor

JTF wrote:Agreed. Insurance companies are the lowest form of bastards, next to lawyers eh. Smile

While in high school, when pressed about his career aspirations, one of my sons kept telling us that he wanted to be a piano player in a whorehouse. We figured he would grow out of it so we let it pass. Finally, a couple of months before graduation, he came home and announced that he decided to become a lawyer. We enrolled him in the School of Music at Brandon University.

FlyingRat

FlyingRat
moderator
moderator

Brandon University Music School = BUMS

grumpy old man

grumpy old man
administrator
administrator

There has been debate of late on the cost of motorcycle insurance and its' increasing cost. Perhaps the following well illustrates why the costs are so high.
RCMP said the husband and wife were riding a westbound 2007 Harley Davidson motorcycle, which was pulling a homemade trailer. They were about a kilometre behind a second motorcycle, which passed the tractor-trailer unit first.

The couple's motorcycle moved into the eastbound lane to pass but the bike went out of control and crashed as it was returning to the westbound lane, RCMP said.

Alcohol is not considered a factor, police said.

Earlier Saturday, a 22-year-old man died when he lost control of his motorcycle on Pepperloaf Crescent in Winnipeg's Charleswood neighbourhood and was thrown from the bike.

City police believe alcohol was a factor.

On June 28, Nathaniel Van Smeerdyk, 25, was thrown from his motorcycle and killed on Baylor Avenue. Driver inexperience may have been a factor, police said previously.
Many MPI bashers believe the cost of motorcycle insurance is a cash grab. And it may well be. But motorcyclists, when they crash, incur significant damage, to themselves, and to their vehicles.

Triniman

Triniman
general-contributor
general-contributor

The commie gov't shouldn't be competing with the private sector. Another Doer failure.

Deank

Deank
contributor eminence
contributor eminence

grumpy old man wrote:There has been debate of late on the cost of motorcycle insurance and its' increasing cost. Perhaps the following well illustrates why the costs are so high.
RCMP said the husband and wife were riding a westbound 2007 Harley Davidson motorcycle, which was pulling a homemade trailer. They were about a kilometre behind a second motorcycle, which passed the tractor-trailer unit first.

The couple's motorcycle moved into the eastbound lane to pass but the bike went out of control and crashed as it was returning to the westbound lane, RCMP said.

Alcohol is not considered a factor, police said.

Earlier Saturday, a 22-year-old man died when he lost control of his motorcycle on Pepperloaf Crescent in Winnipeg's Charleswood neighbourhood and was thrown from the bike.

City police believe alcohol was a factor.

On June 28, Nathaniel Van Smeerdyk, 25, was thrown from his motorcycle and killed on Baylor Avenue. Driver inexperience may have been a factor, police said previously.
Many MPI bashers believe the cost of motorcycle insurance is a cash grab. And it may well be. But motorcyclists, when they crash, incur significant damage, to themselves, and to their vehicles.


how many car accidents or people injured by cars in the same time period?

Freeman

Freeman
uber-contributor
uber-contributor

Probably lots, but when you consider the number of cars on the road v the number of motorcycles, there has to be a high percentage of motorocycle accidents that result in serious injury or death. I would imagine that like the rest of the real insurance industry, even MPI employs people who do the research on such things. Without being one of those experts, it makes sense to me that mc premiums are very high. It is high risk.

Guest

Anonymous
Guest

Personally, I believe that AutoPac has served us well. Perhaps a few tweeks where compensation issues arise needs to be worked on (as well as the lavish lifestyles of their executives), but they seem to be okay in my books.

Private Insurance companies are all bastards and their people have a special place in hell awaiting them I've been told.

Deank

Deank
contributor eminence
contributor eminence

other then these last two accidents.. how many motorcycle accidents are caused by cars?

Freeman

Freeman
uber-contributor
uber-contributor

Deank wrote:other then these last two accidents.. how many motorcycle accidents are caused by cars?

You mean cars driven by women?

rosencrentz

rosencrentz
uber-contributor
uber-contributor

Full disclosure, open to discussions? From a government?
What place is this?
Where is the comparison of exact car to car rates? Didn't someone have a comparison that showed Alberta was cheaper, and then the comparison was faulty?
I know, "maybe", that the way the motor bike rates are set are really an abuse, as they take all the costs involved on accidents, and charge it to the bikers. That means when a bike is not at fault, the costs are still assessed to the bike! That to me is an abuse of the process, and has been written about many times, by bikers.
Not fair, but what can you do when there is a monopoly?
Register out of province?

http://www.elansofas.com

grumpy old man

grumpy old man
administrator
administrator

Deank wrote:other then these last two accidents.. how many motorcycle accidents are caused by cars?
Actually there were three MC accidents in that time resulting in death.

It is important to note what the percentage of cars on the road is and accidents resulting in death and what the percentage of MCs on the road is and accidents resulting in death.

Heck, never mind death, what injuries are incurred by motorcyclists?

Deank

Deank
contributor eminence
contributor eminence

"Actually there were three MC accidents in that time resulting in death."

ahh yeah figured so but was not certain as the reports were coming out so quickly Smile


I think its more important to note who causes the accident, other then these last three, typically are motor cycle accidents caused by the motorcycle driver or the car driver? That would be a more important thing to review.

grumpy old man

grumpy old man
administrator
administrator

I don't know the answer. It seems that every time I hear about a motorcycle fatality it was a lone rider losing control.

I don't know what importance I would attach to an accident that is caused by a car driver as were they to have the same accident with another car what injuries would result?

I guess what I'm saying is MCs are dangerous simply because the rider/passenger is not wrapped in 2000lbs of metal to protect him/her.

Now if the issue was are most MC accidents the result of car-driver negligence then maybe this debate would take a different direction?

Deank

Deank
contributor eminence
contributor eminence

"I guess what I'm saying is MCs are dangerous simply because the rider/passenger is not wrapped in 2000lbs of metal to protect him/her."

so we should make pedestrians pay a crazy amount to walk down the streets?
===================
If there were two different insurance companies involved in the car/ motorcycle accident scenario it would be alot more evident as to why we need to make the distinction.

There has to be a study somewhere on motorcycle accidents.. let me see if I can find it.

Deank

Deank
contributor eminence
contributor eminence

meh the best is apparently Wiki.

http://en.wikipedia.org/wiki/Motorcycle_safety

"
75% of accidents were found to involve a motorcycle and a passenger vehicle, while the remaining 25% of accidents were single motorcycle accidents. "

In the multiple vehicle accidents, the driver of the other vehicle violated the motorcycle right-of-way and caused the accident in two-thirds of those accidents.

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